Cathy
You say that you feel fluid buildup in your ears, that you have the ringing in the ears and hearing loss to. Add to that dizziness/vertigo. Have you looked into Meniere's Disease? You have the four classic symptoms of it. It is thought to be caused by excess fliud buildup in the inner ears, and a result is tinnitus (ringing ears), hearing loss, vertigo and a feeling of pressure from the fluid buildup. I know, I have it. Look into it, see if the symptoms are like yours, or not. I wish you luck!