I have a different problem though I think it's related. The Lumia 650 cannot hold a data connection when I turn on mobile hotspot and connect the laptop. It lasts at most a few minutes then the data connection drops out altogether. I have to turn off the mobile hotspot, turn off the data connection, turn off the phone. Then start the phone again, turn on the data connection, the mobile hotspot. Then repeat the cycle after a few minutes when it drops out again.
I've put the sim card into the old phone (Lumia 800 with Windows 7.8 mobile) and there's no problem. Therefore there's something wrong with the Lumia 650 or Windows 10 mobile.
The phone is great otherwise, but not suited for purpose the way it is.
Update: After lots of restarts, finally the connection is holding. Fingers crossed it works from now on in.