The more common reason is bacteria in the milk produce lactic acid waste product. Lactic acid is sour. The lumpiness is the result of the lower pH from the lactic acid making casien (a milk protein) precipitate.
Milk bacteria use lactose as an energy source, they change it into lactic acid, which makes the milk taste sour. For what it's worth, lactic acid is the same substance that accumulates in our muscles...
Milk sours because of the acid inside of it. No, pasturized milk does not sour as fast becasue of the bacterium that went away in the process of pasturization.