Ideas
Hi! I have the same issue and also play on Xbox online console.
I have noticed that it happens when a holiday or event is happening, from one created by me or even if it's one created by the game from Seasons, if a holiday/event is happening, I cannot change lots nor go to build mode. If I do, the game crashes and I need to restart it completely (it doesn't even refresh if I go to the main screen).
My fix is not to play with holidays, I delete them as soon as they appear. But if for any reason I forget, the game crashes and need to reload.
If I cancel the holiday, it works fine, but if I can't see the holiday pop up do to a glitch, even if the pop up is not visible, but the holiday was not cancelled, it crashes again.
Thanks for looking into this matter!