I see no responses to you so far. I am not a Telco Mobility techie, but the fact that when you have strong reception (strong signals at 3 or 4 bars), but low bandwidth data throughput, implies "possibly" that either TMobile or ATT, or both, are throttling your data packets for some reason. It could be intentional, through some service level limitations/agreements, or it could be accidental, through a Telco equipment failure or programming error. I would contact T-Mobile and try to find out what is going on as a start, if you have not already done so.
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