Generally, the atom has a neutral charge, but if it loses an electron, it becomes positively charged and if the atom gains an electron, it becomes negatively charged
If the field is strong enough, charges can be forced though insulators such as air and a spark will occur. This is what happens during a lightning strike.
A person dragging their feet across the carpet may become charged, so if they reach out to touch a door handle there is a spark and they feel a small shock.