Spirit and Dust by Rosemary Clement-Moore is more of a thriller than it is a ghost story. It's certainly not any particular ghost's story.
It could also teeter into that adult thriller retooled for YAs category that I've been noticing recently. Daisy Goodnight (a great name) is a freshman in college and the two guys she's not quite torn between are twenty-somethings. Daisy's story is entertaining and engaging, but there's no compelling reason for these characters to be as young as they are. The story could easily be flipped for older, even much older, characters.
As I said, Daisy is a college freshman, which is a neat way of making her available to FBI agents who want her assistance. It is easier for a person that age to be off having adventures, than a younger one, even a younger one who is an orphan like Daisy. The FBI is interested in Daisy because she can communicate with the dead, helpful when investigating murders. The world of the book is one in which any number of people can do magic to one degree or another, and while it may not be common knowledge, even a criminal mastermind may use magical assistance. The Goodnight family is full of hedge witches and other magical sorts.
The book begins with a murder and involves the story of how Daisy gets drawn into a scheme to take advantage of the dead. I got lost a few times in the plot, but Daisy is definitely a charmer.
Another interesting point I must mention--No blurbs on the cover! The back cover simply says, "Daisy Goodnight can talk to the dead. And something has them terrified." And that's why I read a book about ghosts when I don't care for them.