How can I find a complete human genome file
The National Centre for Biotechnology Information has a link to a genomes FTP site - on that page, there is a file labelled .../genomes/H_sapiens (this a direct link to that directory).

There are numerous files therein.  From the README file:


  Sequence data include chromosomes, contigs, RNAs, and proteins 
  generated through the NCBI Reference Sequence and NCBI Genome 
  Annotation projects. Map data presented in the Map Viewer resource are
  also provided here.