I had that happen to me too. I also noticed that when I went into the neighbourhood view for Bluewater, there were no playable families in the residental houses.
I don't think my problem had anything to do with any hacks or mods or any CC whatsoever.
I figured out that because I had bought and installed Pets BEFORE I got OFB, the pets files got corrupted somehow and these characters were registering as HUMANS in SimPE (explains the weird two-legged floaters and limited interactions).
So, what I did was uninstall OFB and PETS and reinstalled them in the proper order.