01 - Preheat oven to 350°F (175°C). Line a 12-cup muffin tin with paper liners or grease lightly.
02 - In a large mixing bowl, whisk together all-purpose flour, granulated sugar, brown sugar, baking powder, baking soda, salt, cinnamon, nutmeg, ginger, and cloves until evenly blended.
03 - In a separate bowl, beat eggs, then incorporate pumpkin puree, vegetable oil, milk, and vanilla extract. Whisk until smooth and well combined.
04 - Add wet ingredients to the dry mixture and stir gently with a spatula just until no dry streaks remain; avoid overmixing.
05 - Carefully fold in semi-sweet chocolate chips for even distribution throughout the batter.
06 - Divide batter evenly among the muffin tin cavities, filling each approximately three-quarters full.
07 - In a small bowl, blend flour, brown sugar, cinnamon, nutmeg, and salt. Add cold butter and use fingertips or a pastry cutter to work into coarse crumbs.
08 - Sprinkle streusel evenly over muffin batter. Bake for 20–22 minutes or until a toothpick inserted in the center of a muffin emerges clean.
09 - Allow muffins to cool in the pan for 5 minutes, then transfer onto a wire rack for complete cooling before serving.