BUG: Add extra check for failing UTF-8 conversion
- [x] closes #23809
- [x] tests added / passed
- [x] passes `black pandas`
- [x] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [x] whatsnew entry

Can you check any impact to the CSV reader as well? Based off of where this fix is made I would imagine this impacts that as well as excel, so maybe should add a test / document fix for both lgtm. defer to @WillAyd for testing. Great thanks @roberthdevries 