Hi. I had the same problem. First problem was, my keyboard was set ti the wrong layout, and so i typed the wrong phrase (password). Then I figured out that as long as my thumb drive was in a USB3 port, no wifi was working at all. I switched it to an USB2.0 and niw everything works fine.I tried this niw with two different drives and had the same result. Hope this helps. (This is of course with a raspberry pi 4.)