5595c51914570a2c What game version do you see in the lower-right corner of the Main Menu? If it's anything other than 1.110 etc., let me know.
If you do see 1.110, please try playing in a clean user folder. Move the entire Sims 4 folder out of Documents > Electronic Arts and onto your desktop. When you launch the game, a clean folder will spawn with no content. (Your saves and other content will be intact in the folder you've moved but temporarily unread by the game.) Don't add anything to the new folder yet; just start a new save and see whether you can create a ghost and whether the Cottage Living content appears.
If CotL still isn't loading, please run a search for its folder. Open a File Explorer window, click This PC in the left panel, and enter EP11 in the search field in the upper-right corner. When the search finishes, which may take a while, expand the window sideways so the full location is showing for each result. Use Windows key-shift-S to capture the window, and post the screenshot here.