That really depends a lot on who were talking about. Are they Jewish/Slavic/Homosexual/Socialist/Communist/Publically Anti-Nazi? Are they involved in a resistance movement? Were they (or their families) involved in the Allied War effort? Did they associate or rely on any domestic or indigenous industries (as the Nazis tried very hard to dismantle indigenous industry and send it to Germany)?

There were literally hundreds of millions of people in occupied Europe, so there are hundreds of millions of stories, experiences, and levels of treatment to explore. Im sure there were French farmers in the Pyrenees, the Alps, or the Vosges, who saw little direct change in their day to day lives. Some, the famous collaborators, even associated with the occupying army (again, for a thousand different reasons). There were others who had bad experiences. Some of the obvious targets Ive listed above, but pretty much any social leader was targeted. Either they fled, collaborated, or were attacked in some way. Individuals could also be on the receiving end of harsh treatment by the local soldiers. Some, like the forces in France, were held to a "decent" standard. Others, like those in Russia, had tremendous leeway in their treatment of locals.

It really really depends then on who were talking about.