Why aren't they hounding me?

A few weeks before Christmas I applied for a payday loan as things were really tight. I applied for $650.00 but was only approved for $250.00. I accepted and electronically signed the contract. One week later the money still wasn't in my bank account. I figured there was a problem as I live in a state where payday loans are illegal. I borrowed money from my boyfriend and forgot about the loan. I went out of town for Christmas and when I returned I checked my bank account. I received a deposit of $825.00 on the Friday before Christmas. A full 2 weeks after I had applied for a loan. The description online called it "***a***loan***". I only applied for 2 loans. The first was declined because of the state I live in and the 2nd was only for $250.00. The bank couldn't give me much info and I was scared that someone had my account number so I closed the account completely. I thought for sure once the account was closed that they would be calling and I could find out who to repay....interest free of course since I didn't request that much. But in 2 months I [INDENT][/INDENT]haven't received a single call or even a letter. I am feeling guilty holding on to this money that isn't mine. I haven't spent any so that I can repay the second they call but I'm not sure what to do. The whole situation is just odd. Has anyone else experienced this?