Adjust the oven rack to the lower third position in the oven. Preheat the oven to 350 degrees F. Grease a 9X5-inch loaf pan. Set aside.
In a large bowl, whisk together the pumpkin puree, granulated sugar, brown sugar, oil, milk, eggs, and vanilla extract. Blend well.
Add in the pumpkin pie spice, baking soda, and salt. Stir until fully combined.
Add the flour and using a rubber spatula or wooden spoon, gently fold until the flour is just stirred in. Don’t overmix. Mix in 1 cup of the chocolate chips. Spread the batter evenly in the prepared pan. Top with the remaining 3 tablespoons chocolate chips.
Bake for 60-70 minutes until a toothpick inserted in the center of the loaf comes out clean. (To help prevent too much browning, cover with foil after it has been in the oven for about 30 minutes.) Ovens vary in temperature so that is why you will want to start checking at 60 minutes. It may take up to 75 minutes to bake.
Cool completely in the pan before removing to slice.
Store covered at room temperature for 3 days or in the fridge for 1 week.