"small, black dots" = mold = mycotoxins. You don't want those. Toss it or return it. The company may have already had complaints about a contaminated batch. Mold is usually introduced to coconut oil along with moisture or from coconut meat that had mold. Coconuts can have aflatoxins, some of the most dangerous mycotoxins.
Added: Make sure you notify the company along with batch number from the jar. You should get a replacement, and they need to know that they have a processing or supplier problem if this was freshly opened jar.