Yes, I had deactivated all my plugins and this wasn’t the problem. It was only once Bluehost deactivated my theme (Custom Community) that I was able to get access again. I don’t want to use the Twenty Eleven theme, Custom Community was working great for me, until now. But now I’ve lost all my customizations and have to start from scratch. Does this happen a lot with free WordPress themes?
I have found the solution!
Put the caption that you want in the description box (not the title line) next to the image in the Manage Gallery section.
Then insert this:
[nggallery id=1 slideshow=caption].
To show captions for the thumbnail and slideshow:
[nggallery id=1 template=caption] and still put the title in the description box.