No-Bake Double Layer Pumpkin Pie

3 oz cream cheese, softened
1 cup + 1 tbs. ½ & ½ or milk, cold
1 tbs. sugar
1½ cups whipped cream, thawed
1 ready-made graham cracker crust
2 packages (8 servings) vanilla instant pudding
16 oz (1 can) pumpkin pie filling
1 tsp. ground cinnamon
½ tsp. ground ginger
¼ tsp. ground cloves