I am not sure that I am giving you the answer you are looking for. I can only tell you what I went through. I did experience transference with my therapist. For me, it was because she represented a nurturing, genuine, honest, open person for me. She would listen to me and not reject me. I was lacking this intimate relationship in my marriage.

She became a substitute for what I should have had at home with my spouse. I felt deep feelings for her that I did not feel were 'normal'. This bothered me a lot and I began to question my sexuality.

Thankfully, I have worked through that. I spent a lot of time on PC reading and chatting with others who had gone through it. They helped me a lot!