which plan did you purchase from Bluehost?
it sounds like you wanted this one:
https://www.bluehost.com/hosting/sharedbut instead you ended up ordering this one:
https://www.bluehost.com/wordpress/wordpress-hostingI'm with Bluehost and never had to deal with file permissions on any of the many client accounts with various hosting options I've had with them. Though, I always steer clear of their "WordPress Hosting" package because i usually need something beyond just WordPress. I install WordPress myself, if I need it. I have no need for them the manage it for me. And I have no need for a dedicated WordPress only package, which sounds like something you might have.
see attached screenshots to compare traditional "Shared Web Hosting" vs "Shared WordPress Hosting."
