BUG: read_csv used in file like object RawIOBase is not recognize encoding option
- [x] closes #31575
- [x] tests added / passed
- [x] passes `black pandas`
- [x] passes `git diff upstream/master -u -- "*.py" | flake8 --diff`
- [x] whatsnew entry

Is this going in 1.1 or 1.0.1? @jorisvandenbossche added the issue to 1.0.1, and if it's fixing a regression it should go there.

If so, you'll need to move the release note @paihu. @paihu make sure to merge master you have a conflict I think this issue is regression bug. so I insert `Fix regressions` section.  We don't want to wrap text(`TextIOBase`). We need to wrap only binary(`BufferedIOBase` and `RawIOBase`). Because in that case (eg something like a StringIO object), it is assumed to be already encoded UTF string, so encoding shouldn't be applied then? Thanks @paihu! Thanks @paihu!