No UTI, No STD. Having pelvic pain. Cloudy urine with bad smell, white discharge. No itching. Peeing a lot. What could it be?

Probable UTI. If the UTI diagnosis was made without microscopic exam or urine culture and sensitivity then it is probably invalid. It sounds very much like a urinary tract infection with the frequency and cloudy urine. If it clops like and neighs like a horse, we generally don't call it a zebra unless we are in Africa. In other words, this is probably a UTI(common horse).