Hi,
Usually in Cpanel there is one default ftp account that will have access to everything an the credentials are the same has cPanel.
The best option is always to create a new ftp account that will only have access to specific categories.
Can you take a print of the files you are seeing inside wp-content/themes/Neighborhood/Woocommerce/single-product ?
If you give us ftp access we can also check if the file is there or not.
-Rui