I think my phone finally works. Been at this for a month. Terrible call on Monday almost cost me my job. Apple, this is infuriating. Everyone else, try this:
Turn off phone noise cancellation (settings, general, accessibility, phone noise cancellation)
Turn off cellular voice 4G (settings, cellular, cellular data options, enable LTE, data only)
Turn off WiFi calling (settings, cellular, WiFi calling)
Reset network settings (settings, general, reset, reset network settings)
Network settings may restart phone. After that, reset again by holding Home and power button until after screen goes black and you see the Apple logo.
Good luck!