Pandas use and operator in LOC function

Using query

df.query('ratings < 3 & business_id == @id').review_text.tolist()

["'very bad'", "'passable'"]

You need & for and logical operator, because need element-wise and, see boolean indexing:

id = 'xyz'
mylist=df.loc[(df['ratings'] < 3) & (df['business_id'] == id),'review_text'].values.tolist()
print (mylist)
['very bad', 'passable']