Preheat oven to 350°F. Line a standard muffin pan with paper baking liners and set aside.

For the muffins: In a medium bowl, combine flour, sugars, salt, baking soda, baking powder, cinnamon, nutmeg, and cloves. Make a well in the center of the flour mixture and set aside.

In another medium bowl, combine eggs, pumpkin, and melted butter. Add the pumpkin mixture all at once to the flour mixture. Stir until just moistened. With a medium scoop or large spoon, divide batter evenly amongst the prepared muffin cups.

For the streusel: in a small bowl, combine flour, oats, brown sugar, salt, and baking powder. With a fork, cut in the butter until there are lots of pea-sized crumbs. Then fold in the mini chocolate chips. Sprinkle the streusel over the muffin batter, dividing it equally amongst the muffins.

Bake: Bake for 23–25 minutes, or just until a wooden toothpick inserted into centers of the muffins comes out clean. Do not over-bake. Remove pan from oven and let the muffins rest for a minute or two before removing them to a rack to cool.