I found H.G. Well's The Story of the Inexperienced Ghost on the Literature Network. I gave it five stars.
The characters were well developed, the suspense was steady & it entertained me.
A group of friends gathered at the Mermaid Club & started to share stores. Clayton revealed he had seen & talked to a ghost. The friends weren't sure whether it was just a tale he told or if it was real. They learned that he believed it. This was a haunting tale.