Wells Fargo & Co Chief Executive John Stumpf prides himself on being a banker who understands the little guy's financial problems. He has spoken publicly about growing up poor on a Minnesota farm, starting his career as a low-level repo man and being underwater on his own mortgage years ago. But when called before U.S. lawmakers on Tuesday to answer questions about a scandal at his bank involving 2 million fake accounts that thousands of employees set up in customers' names, Stumpf's answers fell flat.

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