What is wrong with the relationship?

It's you not her. The story may be true may be fake. Girls may tend to be more timid to having , and there is nothing wrong with that. As much as you don't want to believe it, having can change and even ruin things in your relationship. If you truly like her a lot, then you should be understanding. I guess I don't know what age you are but if your younger (16-18/19ish) then I'm sure she just needs time. If she really has had some problems in her past then that is serious and she will have to overcome that on her own time. Maybe it something she doesn't want to just randomly bring up so you could bring it up during a serious conversation by saying something like "i really don't want to pressure you into anything you don't want to do and i want to be understanding, but could you explain to me why you're not into having "..i know that sounds lame but just put it in your own words..