Ok so after 5 hours of banging my head on the table and only getting a nasty bump on my forehead I have a fix that was a 1 second fix.
Basically I had to comment out like this //$config['cookie_prefix'] = ''; in config.php
This all started to happen after I moved from a Plesk environment to a Cpanel setup.
Originally I found the follow code from another answer dealing with not being able to login and it worked so I went through and commented out 1 item at a time. Leaving me with the answer and fix, here is that code. I hope it helps save someone else time and aggravation.
$config['cookie_domain'] = "";
$config['cookie_path'] = "";
$config['cookie_prefix'] = "";
$config['admin_session_type'] = "s";
$config['user_session_type'] = "c";
$config['require_ip_for_login'] = "n";
$config['require_ip_for_posting'] = "n";
$config['secure_forms'] = "n";