I'm 20 year old female with no sexual encounters and have just noticed a small hard lump near the os on the underside of my cervix. No pain.?

Cervix . Remember your cervix is about a finger length up your vagina and is firm like the tip of your nose. In someone who has never had sexual contact this likely to be a mucus filled cyst on the cervix - which is normal. If you've had any sexual contact at all it could be a genital wart. An exam by a provider can tell for sure.