It's a dirt dobber.They build their "nest" and then what they have, is what dropped out - a larva - they eventually turn into the "flying" things that people mistake as a wasp (they look like they're in that family) but they don't bother anyone, they just make a mess!

It does sound like one of the mud dobbers or potters wasps. Mud (dirt) daubers are a species of wasp.

The adult wasp manufactures her nest, finds a grub, caterpillar, spider, etc. to paralyze (but not kill), places it in the nest and lays her egg. The wasp larvae is able to feed on the live (but immobile) prey until it is ready to emerge as an adult wasp.

thanks for the info, is it , would you say, beneficial then or bad speicifically?

They should be considered beneficial, though butterfly gardeners (who treasure certain caterpillars) don't like them, lol!

They can sure help with populations of the pesky caterpillars, though!