hey guys,i think i got a better answer for this nokia n95-3,and 4 US 3G compatibility issues with Tmobile USA,we all know that N95 US version only supports;850,1900mhz umts&hsdpa(currently being used by at&t USA network),and although it have all quad 850,900,1800,1900mhz gsm bands,2-2.5G gsm+edge technology and not 1700mhz&2100mhz 3-3.5G umts/hsdpa,you can still use the 2-2.5 gsm/edge for your voice&data plan,edge is a temporary solutions for 3G umts&hsdpa compatibility issues.
believe me guys,ive had the same issues with my own n95 us version,what i did was i manualy search,and continuesly scan for my available netwoks,and it only scan for gsm bands,and not for umts/hsdpa.if you select umts only,it will then scan for the umts 3G,3.5 only networks.but the problem is only at&t shows up,and not tmobile,and also you cannot manualy select,and then roam on at&t 3-3.5G network,because of roaming issues and too costly for tmobile.,so what you do is you only can use gsm+edge,2&2.5G with tmobile,eventhough they have already lauched their 1700mhz,2100mhz 3-3.5G,umts&hsdpa recently,and not 850,1900mhz.
all i can say is,if you have quadband gsm and 2100mhz umts/hsdpa only handsets,look on the bright side,you can still utelize the 2100mhz for voice on tmobile,(because their 1900mhz gsm is too congested,and also lacking 850mhz roaming capability)now gives you better tmobile voice coverage,remember not data,although tmobile currently using 2100mhz downlink for 3-3.5G,you still need the 1700mhz for data uplink,you need both uplink/downlink compatible bands to successfully connect on 3-3.5G tmobile network.trust me ive done experiments on it,with so many different phone make&models.thats why i decided to voice out my opinion.thanks for reading,and correct me,if im wrong!