... a circular polarizing filter or not, might this be the culprit? I am trying to determine if this is a naturally-occuring phenomenon or just correctable user error...
Both.
Several factors at play: polarizer, wide-angle lens, user. The amount of polarization is not evenly distributed in the sky, it is usually the strongest at 90 degrees to the sun. A wide-angle lens just shows it more obviously, as it catches more of the sky. What a user can do? Select a less wide lens, point it toward the area in the sky with the maximum polarization, or, if the composition dictates otherwise, turn the filter back off the maximum polarizing effect. Alternatively, try various post-processing techniques to even out the sky.