The problem happens when you save the comments.php on your desktop and for some reason when you save the comments.php file in your root directory it changes the siteurl to reflect your local root directory.
What you need to do is open the comments.php file and and look for this code
<form action=”<?php echo get_option(‘siteurl’); ?>/wp-comments-post.php” method=”post” id=”commentform”>
This is the way it should be. If yours looks different you should change it to this code.