Preheat your oven to 350°F.
In a bowl, whisk together flour, baking soda, salt, cinnamon, nutmeg, and cloves.
In another bowl, mix granulated sugar, brown sugar, eggs, pumpkin purée, oil, milk, and vanilla until smooth.
Add the wet ingredients to the bowl of dry ingredients. Stir gently until they are just mixed. Avoid overmixing the batter.
Fold in the semi-sweet chocolate chips evenly throughout the batter. Grease a 9x5-inch loaf pan with cooking spray or butter.
Pour the batter into the prepared loaf pan and spread the top so it is flat.
Bake in the preheated oven for 60 to 70 minutes, or until a toothpick inserted into the center of the loaf comes out clean.
Cool the bread in the pan for 10 minutes, then transfer it to a wire rack to cool completely.