I agree with the posters above that are saying yorkies can all have such different personalities. I have Missy (16 months) and Dora (4 months). They have the same Mom and Dad but were from different litters of puppies. Both have been raised at the breeders and my place in exactly the same way, but somehow they are TOTAL OPPOSITES personality-wise. Missy is an independant little Diva. She never comes when called and doesn't at all crave any kind of attention or affection. She's kind of a snob
Dora however, ALWAYS comes when called and LOVES attention, cuddles, and is extremely social. Dora is far more outgoing and Missy has always been pretty reserved.
My point being, you may never get the cuddles and affection that you want from Chloe as it may just not be a part of her personality, but you should address the training issues. I wouldn't get too uptight about the potty training aspect. Yorkies can sometimes take a year or longer before they are fully trained.