I know a doctor who specifically helps over-weight people who are having trouble losing weight. One of his first questions and examinations is the chest-fat. When I asked what it's indicative of, he said a hormonal imbalance. The solution involves some sort of hormonal cream applied to the shoulders 2x per day. I don't have any other details about it, sorry.
The one thing I'll add is that my other doctor friend told me he doesn't like or suggest using this cream...he says when you take hormones it can cause other things to happen, perhaps a tumor that is dormant might respond by growing. Tough call.
Either way, if you're heavy, I'd suggest losing fat/weight the old-fashioned way and if you get down to the low teens of body-fat% and you still have an issue, then pursue it further....but try dieting first and other stuff as a last resort.