We can read data in this way…

library(gdata)
## gdata: read.xls support for 'XLS' (Excel 97-2004) files ENABLED.
## 
## gdata: read.xls support for 'XLSX' (Excel 2007+) files ENABLED.
## 
## Attaching package: 'gdata'
## 
## The following object is masked from 'package:stats':
## 
##     nobs
## 
## The following object is masked from 'package:utils':
## 
##     object.size
df = data.frame(read.xls ("custdata.xlsx", header=TRUE, perl="/usr/bin/perl"))
head(df,5)
##   custid sex is.employed income  marital.stat health.ins
## 1   2068   F          NA  11300       Married          1
## 2   2073   F          NA      0       Married          1
## 3   2848   M           1   4500 Never Married          0
## 4   5641   M           1  20000 Never Married          0
## 5   6369   F           1  12000 Never Married          1
##               housing.type recent.move num.vehicles age state.of.res
## 1 Homeowner free and clear           0            2  49     Michigan
## 2                   Rented           1            3  40      Florida
## 3                   Rented           1            3  22      Georgia
## 4    Occupied with no rent           0            0  22   New Mexico
## 5                   Rented           1            1  31      Florida

Or this way…

library(readxl)
sample <- system.file("extdata", "custdata.xlsx", package="readxl")
df2 = read_excel("custdata.xlsx", col_names=TRUE)
head(df2, 5)
##   custid sex is.employed income  marital.stat health.ins
## 1   2068   F          NA  11300       Married          1
## 2   2073   F          NA      0       Married          1
## 3   2848   M           1   4500 Never Married          0
## 4   5641   M           1  20000 Never Married          0
## 5   6369   F           1  12000 Never Married          1
##               housing.type recent.move num.vehicles age state.of.res
## 1 Homeowner free and clear           0            2  49     Michigan
## 2                   Rented           1            3  40      Florida
## 3                   Rented           1            3  22      Georgia
## 4    Occupied with no rent           0            0  22   New Mexico
## 5                   Rented           1            1  31      Florida