Preheat oven to 425°.
Combine flour, sugars, soda, powder, salt, cinnamon, cloves and nutmeg in a large mixing bowl with a wooden spoon until well mixed.
Set aside.
Melt butter; add pumpkin, eggs, cream (or half-and-half) and vanilla and whisk until well combined.
Add pumpkin mixture to flour mixture along with 1 cup chocolate chips and stir until moistened.
Line muffin tins with paper liners, then generously spray the paper liners with cooking spray.
Spoon pumpkin mixture into muffin cups until almost full.
Sprinkle about 10-12 chocolate chips on top of each muffin.
Press chips very slightly into the muffin batter.
Bake at 425° for 5 minutes.
Reduce heat to 350° and continue baking about 15-19 more minutes or until a toothpick inserted in center comes out clean.
Cool on wire rack.