Preheat the oven to 350 degrees Fahrenheit. Line a muffin tin with 12 liners and set aside.
In a large mixing bowl, whisk together all wet ingredients until smooth.
Whisk in the dry ingredients, making sure to spoon and level the flour.
Fold in the chocolate chips.
Scoop the batter into a muffin tray, filling each to the top to ensure nice round muffin tops.
In a small dish, combine the sugar, flour and pumpkin pie spice. Cut in the butter or coconut oil with a fork until crumbly.
Use your fingers to sprinkle the streusel on top of the muffins. Bake for 28-32 minutes or until a toothpick comes out clean.
Let cool for about 15 minutes in the tray, then remove and transfer to a wire rack to finish cooling.