The following packages have been kept back: clang-9 cpp g++ gcc gcc-10-base kali-linux-default lib32gcc-s1 lib32stdc++6 libatomic1 libcc1-0 libclang-common-9-dev libclang-cpp9 libgcc-s1 libgfortran5 libgomp1 libitm1 libllvm9 liblsan0 libobjc4 libpython2-stdlib libquadmath0 libstdc++6 libtsan0 libubsan1 linux-headers-amd64 llvm-9 llvm-9-dev llvm-9-runtime llvm-9-tools python2 python2-minimal python3-chardet python3-pandas python3-pandas-lib
apt upgrade; apt update just kept coming back to that and wouldn't install anything. There was a huge block of stuff as well that needed to be autoremoved and that went fine, but still would not install the kept back packages. I tried the easy options 1 and 2 way up there at the beginning of this thread and they did not work.
So I just did apt install /that whole list of kept back packages/, and it all started going.
I've actually never run into this problem before. I just thought it was odd that apt update; apt upgrade didn't work but apt install and then copying that whole list in went off without a hitch and it's working fine now.
And I'm going to apologize now. I wasn't using an ubuntu distribution (I just realized this). I was actually updating a Kali installation when this all occurred. I've never seen anything like this on Ubuntu.
Let me know if I should delete this post (still new).
Ron