How To Import Data Into Python?

Dear team, I'm currently studying the Credit Risk Modeling in Python. In the general preprocessing section class, I found a message error when importing data into my python. I found the right document from Q&A section you provided to other candidates. 

• 1 - I had a "file not found" error, which I was able to solve by replacing the name of the file (saved in a different directory) by writing the absolute path. With its full name it does not work wherever i save the doc (I use 2 different hard drive)
• I now face this below error : "OSError: Initializing from file failed" (code below)
• Also note that I tried with read_excel and it gives : PermissionError: [Errno 13] Permission denied: 'D:/Python_dataset'.

I'm very confused so if you can help me, please advise. I really want to get through this with you. Thanks a lot :) Here is the code :  >import numphy as np
import pandas as pd >loan_data_backup_2007_2014 = pd.read_csv("D:/Python_dataset")
print(loan_data_backup_2007_2014)

---------------------------------------------------------------------------
OSError                                   Traceback (most recent call last)
<ipython-input-2-771ff0942c98> in <module>
----> 1 loan_data_backup_2007_2014 = pd.read_csv('C:/Users/tom-5/Downloads')
      2 print(data)

D:\Anaconda Python\lib\site-packages\pandas\io\parsers.py in parser_f(filepath_or_buffer, sep, delimiter, header, names, index_col, usecols, squeeze, prefix, mangle_dupe_cols, dtype, engine, converters, true_values, false_values, skipinitialspace, skiprows, skipfooter, nrows, na_values, keep_default_na, na_filter, verbose, skip_blank_lines, parse_dates, infer_datetime_format, keep_date_col, date_parser, dayfirst, cache_dates, iterator, chunksize, compression, thousands, decimal, lineterminator, quotechar, quoting, doublequote, escapechar, comment, encoding, dialect, error_bad_lines, warn_bad_lines, delim_whitespace, low_memory, memory_map, float_precision)
    674         )
    675 
--> 676         return _read(filepath_or_buffer, kwds)
    677 
    678     parser_f.__name__ = name

D:\Anaconda Python\lib\site-packages\pandas\io\parsers.py in _read(filepath_or_buffer, kwds)
    446 
    447     # Create the parser.
--> 448     parser = TextFileReader(fp_or_buf, **kwds)
    449 
    450     if chunksize or iterator:

D:\Anaconda Python\lib\site-packages\pandas\io\parsers.py in __init__(self, f, engine, **kwds)
    878             self.options["has_index_names"] = kwds["has_index_names"]
    879 
--> 880         self._make_engine(self.engine)
    881 
    882     def close(self):

D:\Anaconda Python\lib\site-packages\pandas\io\parsers.py in _make_engine(self, engine)
   1112     def _make_engine(self, engine="c"):
   1113         if engine == "c":
-> 1114             self._engine = CParserWrapper(self.f, **self.options)
   1115         else:
   1116             if engine == "python":

D:\Anaconda Python\lib\site-packages\pandas\io\parsers.py in __init__(self, src, **kwds)
   1889         kwds["usecols"] = self.usecols
   1890 
-> 1891         self._reader = parsers.TextReader(src, **kwds)
   1892         self.unnamed_cols = self._reader.unnamed_cols
   1893 

pandas\_libs\parsers.pyx in pandas._libs.parsers.TextReader.__cinit__()

pandas\_libs\parsers.pyx in pandas._libs.parsers.TextReader._setup_parser_source()

OSError: Initializing from file failed