It is not uncommon for a cellphone to connect to the cell on one frequency band and then be switched to another one. Different bands have different speed capabilities. My phone using Verizon does this frequently. This is probably what is happening.
An app like Network Cell Info Lite will show what band the phone is using and show any changes. Check the band when you are getting high and low speeds. This will show what is going on, but there is nothing you can do to change it. The band you get is decided by the cell.
What can't you do at 20Mbps?
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