Q: iPhone hotspot turned off but still discoverable on Mac?

Hi,

Try force resetting your phone (no data will be lost) by pressing HOME and SLEEP/WAKE button for 10seconds.

What iOS version are you on, and what device.

You probably have Continuity turned on. This article should help. Look under the Hotspot section.

Use Continuity to connect your iPhone, iPad, iPod touch, and Mac - Apple Support

You can disable it. Mine is not on, but you have disable the complete Continuity option.