Preheat oven to 350°F. Microwave cream cheese and sour cream in a large microwaveable bowl on HIGH for 1 minute or until cheese is softened. Remove from microwave and mix with a wire whisk until smooth. Add refried beans, green chiles, seasoning mix, and 2 cups of the cheese; mix well.

Spread the bean mixture into a 13×9-inch baking dish sprayed with no-stick cooking spray. Sprinkle with the remaining 2 cups of cheese.

Bake for 25 minutes or until cheese is melted. Garnish with chopped green onion and black olives. Serve with tortilla chips.