That was a quick response !! The seller was unaware and awarded a full refund but does want the counterfeit mailed back . In the end it will have only cost a little of my time but at the least I've added to my knowledge with the help from everyone on this thread .
Definitely a fake. For reference, this is what the date on a 1914-S should look like. Relatively narrow, compared to later dates, as is all the teen nickels. This counterfeit really blows my mind. 1914-S is a semi-key date, but not exactly one rare enough for most counterfeiters to prioritize unless in high grades. However, a genuine 1914-S in Mint State is a $250+ coin. If you own it, my advice is to expose the person who sold it to you if you determinine they had deceptive intent.
I have been surprised at the types of coins I am seeing counterfeited. I have seen counterfeit 1964 Kennedy half dollars and Franklins halves. There are even counterfeit "errors" out there.
NGC shows HA fairly recent sales of AU Details examples $139-170. They absolutely will counterfeit it. Even a $20 coin has a market when some scammer can buy it from China for $2.
Counterfeit "error" coins, along with the others you mentioned, would be downright insane to see. I've seen a counterfeit Barber half and currently own a scary good counterfeit of a 1918 Walker, but seeing a fake 1964 Kennedy in person would likely send me off the rails.