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Preheat the oven to 350 degrees.
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In a large bowl add the pumpkin, brown sugar, granulated sugar, vegetable oil, eggs, vanilla and ½ cup of the chocolate chips to the bowl and whisk until completely combined.
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Add the flour, baking soda, salt, cinnamon, ginger, cloves and nutmeg into the bowl and whisk until just combined.
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To make the cream cheese layers, mix the cream cheese, sugar, egg, milk together.
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Add the cream cheese layer to the bowl of pumpkin batter in spoonfuls and mix just a tiny bit, just enough so the clumps are slightly connected.
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With an ice cream scoop add the batter to your muffin liners
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Sprinkle the tops of the muffins with the remaining chocolate chips.
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Bake for 18-20 minutes or until a toothpick or knife comes out clean