Let me try to understand you. You want to add a title to your fragment list (like an header), not in the ActionBar. Right?
Looking the fragment_item_list.xml we have this: (I follow your steps: "New->Fragment->Fragment (List)")
<?xml version="1.0" encoding="utf-8"?>
<android.support.v7.widget.RecyclerView xmlns:android="http://schemas.android.com/apk/res/android"
xmlns:app="http://schemas.android.com/apk/res-auto"
xmlns:tools="http://schemas.android.com/tools"
android:id="@+id/list"
android:layout_width="match_parent"
android:layout_height="match_parent"
android:layout_marginLeft="16dp"
android:layout_marginRight="16dp"
app:layoutManager="LinearLayoutManager"
tools:listitem="@layout/fragment_item" />
The RecyclerView is a container used for populate a list, in other words, the RecyclerView (or ListView) contain all the list only. So, you have to add another container (like LinearLayout, RelativeLayout, etc.) as root of the layout to add more views to the layout. Example using the LinearLayout:
<?xml version="1.0" encoding="utf-8"?>
<LinearLayout xmlns:app="http://schemas.android.com/apk/res-auto"
xmlns:tools="http://schemas.android.com/tools"
xmlns:android="http://schemas.android.com/apk/res/android"
android:orientation="vertical"
android:layout_width="match_parent"
android:layout_height="match_parent">
<TextView
android:id="@+id/text_header"
android:layout_width="match_parent"
android:layout_height="wrap_content"
android:text="Hello World! I'm a header!"/>
<android.support.v7.widget.RecyclerView
android:id="@+id/list"
android:name="com.veroapps.myapplication.ItemFragment"
android:layout_width="match_parent"
android:layout_height="match_parent"
android:layout_marginLeft="16dp"
android:layout_marginRight="16dp"
app:layoutManager="LinearLayoutManager"
tools:listitem="@layout/fragment_item" />
</LinearLayout>
With this you will have a list with a title at the top. Now, you can manage the title TextView in the ItemFragment(name of the fragment generated by Android Studio). And of course there are more ways to do that, but this is an easy one.
Hope this help you.