I consider the 660 card set to be complete
the 2011 scd sport americana standard catalog lists them separately and indicates that a 1974 complete set is 660 cards
if you google "1974 topps set" the links seem to exclusively indicate the set is complete at 660 cards
seems most accepted collecting terminology would use the term "master set" to include the traded and checklists. I'd go with Al's (ALR-bishop) opinion on that.
that being said, unfortunately if the buyer wants a return, ebay will ultimately (if not quickly) side with the buyer.
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