I've moved your question to the InDesign forum for best results.
I am not able to get you, I am sorry.
Can you post some screenshot as they could help us understand better ?
Since you confirmed this is not a problem from inset setting, to check if this is a problem from text wrap preferences:
If the problem is caused only in some documents, open one such document
1. With no objects selected, go to Windows > Textwrap > select the first button (i.e. no text wrap by default)
2. Now create new frames and do your settings
If the problem is in all new files:
1. At no pub state (no documents open), go to Windows > Textwrap > select the first button (i.e. no text wrap by default)
2. Open new document, create frames and do your settings
Is this resolving the problem?
Yes! That resolved it. Thanks!