Will a bone spur under the big toenail cause it to kinda come to a peak in the center and become very painful

Yes, but...: This "tenting" deformity of the toenail can happen without an underlying bone spur. And if you have a spur and it is removed, the nail may still grow abnormally. Not an easy problem. Usually pain can be reduced by narrowing the width of the nail with a toenail procedure, and keeping the nail filed flatter in the middle.

Yes: Have a x ray of your toe to see if subungual exostosis.