I think both Chessmaster and Fritz can annotate games using words. Neither of them are free, but some members have commented that the older versions can be found at bargain basement prices. Chess System Tal II/Championship Chess/Tournament Chess is another older program that comments on moves in words.
For free software, there are programs like Arena or SCID, but the assessments are using informant symbols and centipawns. Fritz 5.32 is available for free, but I don't recall if it comments in words or not.
What is the best free chess software to download my chess.com analyzed games into? I would like to be able to re-analyze my games in that software as well. Bear in mind that I am lower strength so plain comments would be more useful to me than + or - numbers in the analysis.