It came out of the oven too early
Very commonGummy crumb is most often simply raw crumb. Starch needs both sufficient temperature and sufficient time at it to gelatinise fully and then set; a loaf pulled when the crust looks right can still be short of that at the centre. Dark crusts mislead here, because crust colour is a surface reaction and says nothing about the middle.
The variable underneath
Oven temperature
How to tell after the fact: A bake that consistently needs longer than stated and comes out pale is the signature of an oven running cool. One that browns before the centre sets is running hot. Several unrelated recipes failing the same way is the strongest single indicator.
What to change
Bake it longer, and judge doneness inside rather than by the crust
Give the loaf longer, covering the top if it is colouring faster than the inside is setting. Judge it by internal temperature rather than by appearance — a lean loaf is done at a temperature close to boiling point at its centre, and a thermometer answers in seconds a question that guessing gets wrong repeatedly.
Applies where the crumb is dense and damp throughout. It does not apply where only a band near the cut is gummy and the rest is fine, which points to cutting too early.
Trade-off: A longer bake means a thicker, darker crust. Covering the loaf mitigates this at the cost of some crust crispness.