BUG: read_csv usecols and names parameters inconsistent between c and python
- [x] closes #16469
- [x] tests added / passed The tests added by @gfyoung which were marked as xfail are passing now.
- [x] passes `black pandas`
- [x] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [x] whatsnew entry
