Preheat oven to 325 F, and set oven rack in middle position.
Generously grease two 8 x 4 inch loaf pans and dust with flour, or line muffin tray with muffin liners.
In a medium bowl, combine flour, salt, baking soda, baking powder, cloves, cinnamon and nutmeg. Whick together to combine and set aside.
In a large bowl of an electric mixer, beat butter and sugar on medium speed until just blended. Add one egg at a time, beating well after each addition. Continue beating until light a fluffy (about 2-3 minutes). Add pumpkin and beat into mixture. The mixture may look curdled at this point but that's ok.
Gradually add the flour mixture into the wet mixture, mix on low speed until combined. Fold in chocolate chips.
Pour batter into prepared pans or muffin tins, dividing evenly. Bake loaves for 55-75 minutes (15-25 minutes for muffins), or until tester stick inserted in the center of loaf comes out clean. Let loaves cool in pans for about 10 minutes, then turn out onto a wire rack to finish cooling.
Cream Cheese Icing
In the bowl of an electric mixer fitted with the paddle attachement beat cream cheese, butter, and vanilla on medium-high speed until light and fluffy (about 2 minutes).
Gradually beat in the sugar and continue to mix until thoroughly combined, scraping down the sides of the bowl as needed.
Use immediately, or if the consistency is too soft, refrigerate frosting until it is spreadable (about 15 minutes).
Once loaves or muffins have fully cooled, apply frosting to the tops.
Frosting will keep in the refridgeratior for up to 3 days.
Notes
Note: loaves can be frozen for up to 3 months. After completely cooled, wrap in aluminum foil, freezer wrap or place inside a freezer bag. Thaw overnight in the refrigerator before serving.