XGboost - Choice made by model
You can use the ELI5 library to explain the feature contributions to individual predictions for XGBoost models.

See Explaining Predictions in the docs, copied below:


  To get a better idea of how our classifier works, let’s examine
  individual predictions with eli5.show_prediction():

from eli5 import show_prediction
show_prediction(clf, valid_xs[1], vec=vec, show_feature_values=True)