Just getting over the same issue myself. Mine started with a cough in my chest that was like a smokers cough (really wet and gargled). By the time I went to the Dr, I was messed up. Told it was a sinus infection and bronchitis and was given a Z-pack (antibiotics) and that was 4 days ago and I feel great right now.
Go to your Dr. you don't want this to turn in to pneumonia, and the pain will get to the point where your face will start to swell. (mine did my right eye looked like Id been punched).
Remember, not knowing does not mean it will go away, and :white coat anxiety" or anxiety when seeing a Dr. is common, but should never be a reason to place your health in jeopardy.
Also, use something like Mucinex D. (the stuff you have to get behind the counter). This will help with the cough and the congestion, but GO TO THE DR.
be well, hope this helps.
Probably a sinus infection. You also really need to do something about your panic attacks. There is help for panic attacks. Good Luck