01 - Preheat oven to 350°F (175°C). Line a 12-cup muffin tin with paper liners or lightly grease each well.
02 - Whisk together flour, granulated sugar, brown sugar, baking powder, baking soda, salt, cinnamon, nutmeg, ginger, and cloves in a large mixing bowl.
03 - In a separate bowl, beat eggs thoroughly. Add pumpkin puree, vegetable oil, milk, and vanilla extract, mixing until smooth.
04 - Add wet ingredients to dry ingredients. Stir gently just until combined, taking care not to overmix.
05 - Add chocolate chips to the batter and fold gently until evenly distributed.
06 - Divide the batter evenly among prepared muffin tin wells, filling each about three-quarters full.
07 - Combine flour, brown sugar, cinnamon, nutmeg, and salt for streusel in a small bowl. Incorporate cold butter and mix using fingers or a pastry cutter until a coarse crumb forms.
08 - Sprinkle the streusel mixture evenly over the batter in each muffin well.
09 - Place tin in preheated oven and bake for 20 to 22 minutes. Muffins are done when a toothpick inserted into the center emerges clean.
10 - Allow muffins to cool in the tin for 5 minutes before moving them to a wire rack to cool completely.