I know I brought this up somewhere and was told it was hypnagogic hallucinations which only happen right before sleep (and are pretty common)? 

But I don't think that's my deal. It's true that this has only happened to me at night (afaik), but it's not only as I'm falling asleep. I could be perfectly awake sitting in bed and have this happen. 

For me it's *always* hearing whispers/ voices/ talking; but they're unintelligible. Not super loud. Kinda like if you were hearing neighbors through a wall or outside, except it's not real.