This happens way too often and I have no idea what the cause is. Ever since the devs added additional loading screens, I keep getting this error where they manifest for no reason after everything has already BEEN loaded for several minutes. I can still hear the people in the world, but my sight is obscured by a permanant loading screen.
honestly i think it would be better to get rid of all loading screens and replace them with a counter in the corner of the screen, just like in CVR