Preheat oven to 375°F. Line a 12-cup muffin pan with paper liners.
In a medium bowl, whisk together flour, baking powder, baking soda, salt, cinnamon, ginger, nutmeg, cloves, and allspice.
In a large bowl, whisk together both sugars until combined. Add eggs, pumpkin puree, oil, milk, and vanilla extract. Whisk until smooth and well combined.
Add the dry ingredients to the wet ingredients and gently fold together until just combined. Don't overmix.
Divide the muffin batter evenly among the prepared muffin cups, filling each about ⅔ full.
Add 1 tablespoon of cream cheese filling to the center of each muffin, gently pressing it down slightly into the batter.
Use a toothpick or knife to create 2-3 gentle swirls through each muffin, creating a marbled effect. Don't overmix.
Sprinkle the chilled streusel topping evenly over each muffin.
Bake for 18-22 minutes, or until the tops are golden brown and a toothpick inserted into the pumpkin portion (not the cream cheese) comes out with just a few moist crumbs.
Cool in the pan for 5 minutes, then transfer to a wire rack to cool completely.