Preheat oven to 350°F (175°C) and grease a 9x5 inch loaf pan with butter or non-stick spray.
In a medium mixing bowl, whisk together the flour, baking soda, salt, cinnamon, ginger, cloves, and nutmeg until well combined.
In a large mixing bowl, whisk together the granulated sugar and brown sugar to remove lumps.
Add the vegetable oil, eggs, pumpkin puree, and milk to the sugar mixture and whisk until smooth.
Gradually fold the dry ingredients into the wet ingredients using a spatula until just combined, ensuring no flour streaks remain.
Gently stir in 3/4 cup of the chocolate chips.
Pour the batter into the prepared loaf pan and sprinkle the remaining 1/4 cup of chocolate chips over the top.
Bake for 60 to 65 minutes, or until a wooden skewer inserted into the center comes out clean or with only a few moist crumbs.
Remove from the oven and allow the bread to cool in the pan for 10 minutes before transferring to a wire rack to cool completely.