I can have problem processing language where there are more than three people talking at the same time. I can catch words or phrases, but coherent understanding is out the window. Two people, I'm fine with. One person I'm fine, but my mind can wander from what is being said. My friends knows this about me, so they are use to me going off on a tangent from the conversation. Two people talking, I say nothing. It is the classic situation where I don't know where to break into the conversation.
As for loud music. It all becomes sound.