Yes, it is wrong. There is potential for something to develop between you and the other person so it is better to keep away.
I know of so many cases where people have 'chatted', quite innocently at first to someone and then it develops into something more, then they realise they cant be together and it's all a huge mess. It's dangerous too. How do you know you're not talking to an old, lonely grandad? So you might ask for 'her' to send her photo just to be sure - and then that would mean you're looking at a woman which is not really a good thing to do either.
Keep away - it's a trap. Shaytaan will tell you its fine, you're only talking about 'school' etc, but you know, these things are quite predictable and before you know it, you could have gone too far.
Peace