The prevailing theory here about this is that there are no gender-specific player reaction lines in the game and what you are hearing is a ped talking about another ped. Still waiting on Sleem to chime in and confirm, but that is most likely what is happening.
SR2 does this too.If you change the sex of your character at Image as Designed, I've noticed that sometimes NPCs will react to the player character as if they were still the other sex. Example: NPCs you pass on the street will say lines to a male character as if they were female. What's up with that?