What kind of fly has black eyes or a black head an orange torso and black abdomen?

dude its a bee

Sorry...It's not a bee. It resembles a housefly, only it's entire body is solid black including the wings. The only exception is the abdomen which is a bright orange color. It has a proboscus, just like your ordinary housefly. I found one too and no one has yet been able to identify it.