R.M.
It is your child's personality. Some kids are easier than others. My oldest was my most difficult, too.
You need to fix this now, or if you keep having a negative attitude towards her you will have regrets when she is older, like I do.
The simplest fix is this: IGNORE THE NEGATIVE, REWARD THE POSITIVE. A child CANNOT ARGUE with you if you won't engage her.
And there are good sides to a talkative kid, even though it can get on your nerves. If she were overly quiet and shy, you would worry about that too. One more year, and you will get an occasional break.
None of the things you have described that she does are that terrible. If she wants to have the last word -- let her have the last word. What's so terrible about someone saying, "Well fine, then I am going to sleep?" If she agrees she's going to sleep, that's actually a good thing. When she says that, give her a kiss, and leave the room.
If she complains about the food, don't say anything, just remove it from the table, and don't give her anything until the next meal.
If she complains about the toys you don't buy her, use one of my favorite sayings, which is, "Oh well..."
If she interrupts while you are on the phone, ignore her. If she keeps on talking to you, go somewhere else where she can't interrupt you.
If she is outright rude, put her in her room, and tell her she can come out when she can talk politely.
All of these things have to be done in a CALM MANNER.
She is getting too much attention for negative behavior, and it is reinforcing it.
Ignore the negative, reward the positive, and be happy we have public school. Some people, wonderful as they might be, are hard to be with all day long. That's what school's for. :)
And along with my advice, add JustM's advice, below.