ok, that info helps us understand better.
So it seems you are attempting a manual install (ftp files, etc) and are running into this issue.
I have two suggestions:
1. If you have Softaculous on a cPanel on your account, try installing using the method and see if you have the same issues - you can always uninstall it if you wish.
2 And I would present the minimum requirements to your host to insure that the server settings are not overriding any of the account settings. I am assuming you are on a shared hosting account server.
Lee