Preheat the oven to 350°F and spray a 13x9-inch baking dish with nonstick spray.
Microwave the cream cheese and sour cream in a large microwaveable bowl on high for 1 minute or until the cream cheese is softened. Remove from the microwave and whisk until smooth.
Add the refried beans, green chiles, taco seasoning, and 2 cups of the cheese. Mix well.
Spread the mixture into the prepared baking dish and sprinkle with the remaining 2 cups of cheese. Bake for 25 minutes or until the cheese is melted.
Top with green onions and cilantro and serve with tortilla chips.