you called a min raise in BB so it looks like you could have flopped a wild two pair. set is also possible on that draw-y board. given what you actually had i think the play is also correct on turn if you think hell fold.

what theyre giving you is after-the-fact analysis, if you win the big side pot against the UTG AI then your play wouldnt be so poorly critiqued by the table players.

you got caught thats all. they may be downtalking you because they dont want to be bluffed on a later hand.