Preheat your oven to 350°F (175°C). Grease a 9x5-inch loaf pan and line with parchment paper, leaving an overhang on the sides for easy removal.
In a medium bowl, whisk together flour, baking soda, cinnamon, nutmeg, cloves, ginger, and salt.
In a large bowl, beat eggs, granulated sugar, and brown sugar until lightened in color, about 1 minute.
Add pumpkin puree, oil, milk, and vanilla to the egg mixture and whisk until completely combined.
Gently fold the dry ingredients into the wet ingredients, stirring just until combined - aim for no more than 15-20 strokes.
Fold in chocolate chips, reserving a small handful for topping.
Pour the batter into your prepared loaf pan and sprinkle the reserved chocolate chips on top.
Bake for 55-65 minutes, or until a toothpick inserted in the center comes out with just a few moist crumbs (not wet batter).
Allow the bread to cool in the pan for 20 minutes, then use the parchment overhang to lift it out. Let it cool completely on a wire rack before slicing.