Embodiments herein provide data clustering and user modeling for next-best-action decisions. Specifically, a modeling tool is configured to: receive indicators within unstructured social data from a plurality of users; analyze the unstructured social data of each of the plurality of users to assign a set of feature vectors to each of the plurality of users, each feature vector corresponding to one or more personality characteristics of each of the plurality of users; and analyze the feature vectors to identify two or more users from the plurality of users sharing a set of similar feature vectors. The modeling tool is further configured to: group the two or more users from the plurality of users sharing the set of similar feature vectors to form a cluster; identify attributes of the cluster; and input the attributes of the cluster into a predictive model to determine an offer corresponding to the cluster.