There are no such physical things as complex currents, voltages or electromagnetic fields. Complex reflection factor simply presents the existence of phase shift between incident and reflected sinusoidal waves when they are measured or calculated as complex phasors at the same point and the reflection factor = phasor of reflected wave divided by phasor of incident wave. The observation point can be the end of the line or any other point on the line.
Actually in every case, when the wave reflects due the mismatch, the reflection factor phasor generally is complex . It's real in some rare (see NOTE1) points where the phase difference of the incident and reflected wave is N*180 degrees where N is positive or negative integer or zero.
NOTE1: those points where the reflection coefficient is real are placed at quarter of the wavelength intervals. One of them is at the end of the line if the load is resistive.