Preheat oven to 350°F. Line a 9x13-inch baking pan with tin foil, extending the foil over the edges of pan. Set aside.
In a large bowl, stir together flour, sugar, baking powder, baking soda, cinnamon, cloves, and salt. Add in eggs, pumpkin and coconut oil. Stir thoroughly until combined. Spread batter into prepared pan.
Microwave ¾ cup of miniature chocolate chips for 1 minute, or until melted and smooth. Remove and set aside.
In a medium bowl, beat cream cheese and sugar with an electric hand mixer or stand mixer with fitted paddle attachment. Beat in the egg, milk, and melted chocolate chips.
Spoon cream cheese mixture over pumpkin batter. Using a table knife, swirl mixture to marble. Sprinkle with extra chocolate chips, if desired.
Bake for 28-30 minutes, or until puffed and a toothpick inserted into the center comes out clean.
Remove to a wire rack to cool completely. Cut into bars and serve immediately or refrigerate until ready to serve.
Notes
Places bars in a covered container in refrigerator until ready to serve.