A personal problem is one that only relates to ones self
I believe that the correct answer is C because that literally shows it, but it also could be A because that is a more accurate detail that she actually missed it, and that it wasn't just a random bus. But, I think it is most likely A because C is just imagery. Hope this clarified it a little bit!
Once the cow wouldn't walk into the pen, Jane started prodding him with a stick.