BUG: Help python csv engine read binary buffers
The file buffer given to read_csv could have been opened in
binary mode, but the python csv reader errors on binary buffers.

- [x] closes #23779
- [x] tests added / passed
- [x] passes `black pandas`
- [x] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [x] whatsnew entry
