The cleaning might be there, but XF is just stupid. Anyone with a slightly-more-than-basic knowledge of Bust Halves knows this is a mid to high AU. It's a strike issue, not wear. Looks like you got murdered on your whole submission based on your other posts.
I was at EF-45. Looking again at your pictures, the glossiness of the fields imply a cleaning. I agree with the grade.
Eh, bummer. Still a nice looking coin, though. The pix in the OP are much more appealing than the post-slab shot.