Preheat the oven to 350°F and grease a 9×13-inch baking dish.
Sprinkle the coconut, pecans, and half of the chocolate chips evenly over the bottom of the pan.
In a large bowl, prepare the cake batter by mixing the cake mix, oil, eggs, and water. Pour the batter over the coconut mixture and spread it evenly.
Melt the butter. In a separate bowl, beat the cream cheese until smooth, then mix in the melted butter. Gradually add the powdered sugar and beat until creamy.
Drop spoonfuls of the cream cheese mixture over the cake batter, then gently swirl it with a knife or toothpick. Sprinkle the remaining chocolate chips over the top.
Bake for 45–50 minutes, until the top is set but the center is still slightly gooey.
Let the cake cool for 15–20 minutes before serving.
Notes
Use room-temperature cream cheese for a smooth filling.
Swirl the cream cheese gently to keep distinct pockets throughout the cake.
Let the cake cool for 15–20 minutes before serving.