I have 2 ale villagers that walk around arguing and complaining, but they ae always alone when they do it. Also I have a lot that go to the natures calling spot to argue / coplain / tell jokes / etc. I think your ghost is the one I hear whisteling every now and then......It isn't coming from the villagers they do not whistle!!!!!!!!! It is a real haunting whistle and no it is not the wind blowing it is a male whistleing!