Preheat Oven to 350
Add all-purpose flour, granulated sugar, baking powder, baking soda, pumpkin pie spice (or cinnamon) and salt to a large bowl and mix to combine, set aside.
In another bowl whisk together pumpkin puree (and bananas if using), egg, cooled melted butter and vanilla extract until combined.
Add wet ingredients to dry ingredients mixing using a rubber spatula until combined.
Scoop batter into a greased pan, about 3/4 full. (I used 2 6" baby bundt pans).
Prepare Cream Cheese Filling by whisking together cream cheese, granulated sugar, all-purpose flour, milk and vanilla extract.
Spoon Cream Cheese Mixture into pan evenly. Top with remaining batter.
Tap pans on counter to level.
Add chocolate chips to batter or cream cheese if desired.
Bake 20 minutes or until set. Cool. Remove from Pans and Enjoy!