Most normal people have only a bottom buldge of fat on their stomach. However I have a separate top and bottom buldge. No matter how much weight I lose I cannot get rid of the top buldge and it often times feels a little hard. If I apply any pressure to it or sit anything over 5lb on it I have bad pressure and pains. Is this just excessive fat or is there something more serious going on?

We can't possibly know.
I will say that you are wrong about most people's bulges; countless are stomach and abdomen bulges.
I will say that the stomach can feel hard simply by being full of gas at that moment.
But again - we can't know. Talk to a parent if you feel pains (without a weight)!

Only a proper medical exam can tell you if there is something more serious going on.

And those bulges are hard to get rid of, without a lot of exercise to tighten up muscle in those areas