Frameworks are the scaffolding, the skeleton. They dictate the shape. It's literally in the name.
> : a skeletal, openwork, or structural frame
Tools are the things you use to build within that skeleton.
More pragmatic: Rails is a framework that dictates an MVC shape, with an RDS, that produces server side rendered HTML or data in a RESTfull manner.
The tools you use for Rails development are your IDE, a CI, revision control, a terminal, maybe even the IAAS provider.
So maybe words like tool, scaffolding (and even framework) are just not entirely up to the job of describing what a 'software framework' is and ultimately lead to confusion.
A framework is not a tool. It is previous work that you build upon so you are not starting from scratch. It is a canvas, already assembled and sized.
Your toolset also dictates the shape like a screwdriver dictates the shape of the usable screws.
That is the semantic difference between tools and frameworks.
This doesn't mean one cannot ever use a framework as a tool, or a tool as a framework. But I'd argue in those cases one stops being resp. a framework or tool and starts being a tool or framework.