Everyone has congestion problems 'cept us in phoenix ... but from what I can tell your in Chicago ... cable plant is a bit older over there , sit tight though... couple more years and the will have that congestion problem cleaned up a bit. You will still have it, don't get me wrong... but you won't have any of that "1Mbps lower!" stuff anymore.
post again.. let's see what good 'ol Comcast in Chicago can do