That said, according to New York State Law, it is illegal to drive a car while you're talking on a cell phone unless you're using a hands-free device.
Therefore, please do not break the law while you're working. I know it must be boring to drive a cab, but at least get a cheap hands-free device. Honestly, I don't care if you're talking on the phone, but there's a legal way to do it and you're not following it.
Also, and I'm not a prude, but the professional way to handle yourself is not to say, into your cell phone, "(as I'm getting in) gee, college students get uglier every year. Shit, so I tried that new sub down at Quizno's? It was the best goddamn sub I've had all year. Shit, but they rape you for the prices. Ten bucks for a sub? Shit."
I'm no prude, and a swear now and then definitely does not bother me, but when I even start to think it's excessive, there's a problem. Also, I seriously hope that "college students get uglier every year" remark wasn't about me, dude. Seriously. Because, considering you took up most of the front two seats of the car, you have absolutely no room to talk.
So, the bad service is breaking the law, behaving unprofessionally, and possibly insulting a paying customer.