Need help figuring this out

Let's see, if the fan comes on, then the problem may be a bad or clogged radiator, bad thermostat. How high does the temperature gauge moves? Is this happening when you are running the a/c or all the time? There are two fans, primary and secondary, both fans should be working when the a/c is turned on, maybe the fan that works with the a/c is not kicking in and, in that case the fan motor could be bad or the temperature sensor. Switch the a/c on and check if both fans run.

Ill check tomorrow thank but I do remember turning a.c. on an hearing an fan coming on for a.c. I was thinking maybe water pump but would it heat up faster then 20 min driving

Yes, if the water pump is bad, there is poor coolant circulation and the engine will overheat fast.

Is there easy way to check if pump is bad an on I know a little about cars but nothing about newer models

Unless you can see drops of coolant under the car or around the area of the water pump, the only other way is to pressure test the system. Make sure the radiator cap is good, this is important for good pressure.