COOK beef, onion and garlic in 6-quart saucepan over medium heat, stirring occasionally, until meat is browned; drain.
STIR in coffee, tomatoes, chili powder, cumin, salt, cloves and beans. Bring mixture to boiling; reduce to a simmer. Cover and cook 30 minutes to blend flavors.
SERVE hot in bowls garnished with shredded cheddar cheese, sliced green onion and tortilla chips, if desired.